| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE PENNE3 Filed as: DALE PENNE E | 1530 HUMBOLDT RD., STE 5 CHICO, CA 95928 | BLUE SHIELD OF CALIFORNIA | $25K | $0 | $25K | 7.11% |
| A FIRM FOUNDATION, INC.3 Filed as: FIRM FOUNDATIONS | 1530 HUMBOLDT RD., STE 5 CHICO, CA 959289196 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $312 | $8K | 6.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC | 5110 N 40TH ST., STE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.06% |
| CARA LOUISE MCFADYEN3 | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $723 | $4K | 27.79% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION, INC | 1530 HUMBOLDT RD., STE. 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $340 | $3K | 21.00% |
| CRAIG PHILIP SCHMIDT3 | 1130 DAVIS ST. VACAVILLE, CA 95687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 20.79% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $40 | $3K | 17.11% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $333 | $2K | 11.13% |
| MIKE SOLIS QUINTANA3 | 7098 N GREGORY AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.10% |
| PENE, DALE E3 | 1530 HUMBOLDT RD., STE. 5 CHICO, CA 95928 | GUARDIAN INSURANCE & ANNUITY COMPANY, INC. | $1K | $0 | $1K | — |
| SWBC LIFE INSURANCE AGENCY, INC.7 Filed as: SWBC INVESTMENT ADVISORY SERV. LLC | 900 SOUTH CAPITAL OF TEXAS STE. 115 AUSTIN, TX 78746 | GUARDIAN INSURANCE & ANNUITY COMPANY, INC. | $0 | $29 | $29 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 111 | $357K |
| Dental(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 244 | $489K |
| Vision(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 244 | $489K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $148K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 111 | $357K |
| Other | GUARDIAN INSURANCE & ANNUITY COMPANY, INC. | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.